TW201822089A - Method and device for detecting fund transaction route in electronic payment process - Google Patents

Abstract

Provided are a method and a device for detecting a fund transaction route in an electronic payment process. The method comprises: generating an actual route coding for this fund transaction according to a fund transaction identification, the actual route coding being used to represent an actual transaction route of fund in the fund transaction process; obtaining a standard route coding corresponding to the fund transaction identification; and when the actual route coding is the same as the standard route coding, confirming correctness of the transaction route of the fund transaction. By generating an actual route coding for representing the actual transaction route in the fund transaction process according to the fund transaction identification and determining whether the fund transaction route is consistent with the preset route by comparing the actual route coding with the standard route coding, timely interventions could be taken when the routes are inconsistent so as to reduce financial losses to a user caused by the inconsistency in the actual transaction route and to enhance the user experience.

Description

   Method and device for detecting funds transaction path in electronic payment process   

The present invention relates to the field of Internet technologies, and in particular, to a method and device for detecting a fund transaction link in an electronic payment process.

With the rapid development of Internet technology, electronic payment is widely favored by users due to its convenient and fast advantages. In related technology, the flow of funds in the electronic payment process is often more complicated. Take the purchase of funds as an example. In a pre-designed fund scheme, funds may have to go through four or five account transactions in the background to complete the purchase operation. Once the actual transaction sequence of funds is different from the design, it may lead to loss of user funds.

In view of this, the present invention provides a method and a device for detecting a fund transaction path in an electronic payment process.

Specifically, the present invention is implemented by the following technical solution: A method for detecting a fund transaction path in an electronic payment process, the method includes: generating an actual path code for the capital transaction according to a fund transaction identifier, and the actual path code is used for characterization The actual transaction path of the funds during the capital transaction process; obtaining the standard path code corresponding to the capital transaction identifier; when the actual path code is the same as the standard path code, confirm that the transaction path of the capital transaction is correct.

Optionally, generating the actual path code for the capital transaction according to the capital transaction identifier includes: obtaining the actual transaction information of the funds during the capital transaction process from the corresponding database according to the capital transaction identifier. The actual transaction information includes: Transaction account and transaction sequence; obtain the account code corresponding to the transaction account; combine the account codes of each transaction account according to the transaction sequence to generate the actual path code.

Optionally, obtaining the account code corresponding to the transaction account includes: obtaining a type code of the transaction account; when the type code is a first type code, determining that the account code corresponding to the transaction account is the type code and the transaction A combination of account IDs of the accounts; when the type code is a second type code, it is determined that the account code corresponding to the transaction account is the type code.

Optionally, obtaining the standard path code corresponding to the capital transaction identifier includes: obtaining a transaction code corresponding to the capital transaction identifier; and acquiring the standard path code corresponding to the transaction code.

Optionally, the fund transaction identifier is a transaction serial number.

An apparatus for detecting a fund transaction path in an electronic payment process, the apparatus includes: a code generating unit, which generates an actual path code for this fund transaction according to a fund transaction identifier, and the actual path code is used to characterize the actual transaction of funds in the fund transaction process Path; a standard acquisition unit that obtains the standard path code corresponding to the capital transaction identifier; a path confirmation unit that confirms that the transaction path of the capital transaction is correct when the actual path code is the same as the standard path code.

Optionally, the code generating unit includes: a first obtaining subunit, which obtains the actual transaction information of the funds in the fund transaction process from a corresponding database according to the capital transaction identifier, and the actual transaction information includes: a transaction account and a transaction sequence A second acquisition subunit, which obtains an account code corresponding to the transaction account; a code generation subunit, which combines the account codes of each transaction account according to the transaction order to generate the actual path code.

Optionally, the second obtaining subunit obtains a type code of the transaction account. When the type code is the first type code, it is determined that the account code corresponding to the transaction account is the type code and the account ID of the transaction account. Combination; when the type code belongs to the second type code, determine that the account code corresponding to the transaction account is the type code.

Optionally, the standard obtaining unit obtains a transaction code corresponding to the capital transaction identifier, and obtains a standard path code corresponding to the transaction code.

Optionally, the fund transaction identifier is a transaction serial number.

It can be seen from the above description that the present invention can generate an actual path code used to characterize the actual transaction path in the fund transaction process according to the fund transaction identifier, and determine whether the path of the fund transaction is consistent with the preset by comparing the actual path code with the standard path code The paths are consistent, so that when the paths are inconsistent, intervention measures can be taken in time to reduce the financial loss to the user caused by the inconsistent transaction path and improve the user experience.

S101 ~ S103‧‧‧step

S1011 ~ S1013‧‧‧step

Detection device for funds transaction path in 300, 500‧‧‧ electronic payment process

301‧‧‧Code generation unit

302‧‧‧Standard Acquisition Unit

303‧‧‧route confirmation unit

3011‧‧‧First acquisition subunit

3012‧‧‧Second Acquisition Subunit

3013‧‧‧Code generation subunit

Fig. 1 is a flowchart illustrating a method for detecting a fund transaction path in an electronic payment process according to an exemplary embodiment of the present invention.

Fig. 2 is a flow chart showing the generation of an actual path code for this capital transaction according to an exemplary embodiment of the present invention.

Fig. 3 is a schematic structural diagram of a device for detecting a fund transaction path in an electronic payment process according to an exemplary embodiment of the present invention.

Fig. 4 is a block diagram of a device for detecting a fund transaction path in an electronic payment process according to an exemplary embodiment of the present invention.

Exemplary embodiments will be described in detail here, examples of which are illustrated in the drawings. When the following description refers to drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present invention. Rather, they are merely examples of devices and methods consistent with aspects of the invention as detailed in the scope of the appended patent applications.

The terminology used in the present invention is for the purpose of describing particular embodiments and is not intended to limit the present invention. The singular forms "a", "the" and "the" used in the scope of the invention and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term "and / or" as used herein refers to and includes any or all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in the present invention to describe various kinds of information, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of the present invention, the first information may also be referred to as the second information, and similarly, the second information may also be referred to as the first information. Depending on the context, the word "if" as used herein can be interpreted as "at" or "at ..." or "in response to a determination".

Fig. 1 is a flowchart illustrating a method for detecting a fund transaction path in an electronic payment process according to an exemplary embodiment of the present invention.

Please refer to FIG. 1. The method for detecting a fund transaction path in the electronic payment process can be applied to a server of a financial system, and includes the following steps: Step 101: Generate an actual path code for the fund transaction according to a fund transaction identifier, and the actual path The code is used to characterize the actual transaction path of the funds during the transaction of the funds.

In this embodiment, the fund transaction identifier is usually the serial number of the electronic payment service. When the user initiates an electronic payment service, the server responsible for generating the fund transaction identifier will generate a unique identifier for the electronic payment service. The serial number of the payment service. Taking the electronic payment business as a purchase fund as an example, after receiving a fund purchase request initiated by a user, the server generates a unique serial number for the request. This fund transaction is a transaction process in which funds paid by users are transferred between various types of accounts in the background during the process of fund purchase. The serial number will be generated during the entire fund transaction process.

In this embodiment, after the execution of the electronic payment service is completed, the server may generate an actual path code for the capital transaction in the electronic payment process according to the fund transaction identifier, wherein the actual path code is used to characterize the fund transaction. The actual transaction path of funds in the process. In this embodiment, the account through which funds flow during the fund transaction process can be regarded as a node in the fund transaction path, and the fund transaction path can be generally characterized as: Account A → Account B → Account C.

In this embodiment, please refer to FIG. 2, the server may generate the actual path code for the capital transaction through the following steps: Step 1011, obtain the actual funds in the capital transaction process from the corresponding database according to the capital transaction identifier. Transaction information. The actual transaction information includes: transaction account and transaction sequence.

In this embodiment, taking the serial number of the fund transaction as an example, the server can obtain the actual transaction information of the capital transaction from the database storing the transaction information according to the serial number of an electronic payment service. Among them, the actual transaction information includes: transaction account and transaction sequence. In practical applications, the actual transaction information of this capital transaction may be stored in a data table in a database, or in multiple data tables in a database, or in multiple databases. The invention does not specifically limit this.

For example, assuming the serial number is 201607150012, according to the serial number, the server can obtain the following information from the relevant database: the transaction fund is 10,000 yuan, and the 10,000 yuan is accounted for by the user's balance account (account ID : 123456) to the internal account of the fund to be purchased (account ID: 777777), and then from the internal account of the fund to be purchased to the account of the unconfirmed funds sales account (account ID: 888888) The account is transferred to the account of the fund purchase payment (account ID: 999999). From this information, there can be four trading accounts corresponding to the serial number 201607150012. For details, refer to Table 1. The transaction sequence is 1 → 2 → 3 → 4.

Step 1012: Obtain an account code corresponding to the transaction account.

Based on the foregoing step 1011, after obtaining all the trading accounts involved in this capital transaction process, the account code of each trading account can be obtained separately.

In this embodiment, the server may first obtain the type code of each transaction account. Among them, this type of code is usually set by the developer in advance. Please continue to refer to Table 1. The developer can set the account code of the type "User's balance account" to KZ001. It is understandable that all users' balance accounts, regardless of What is its account ID and its type code is KZ001. Similarly, developers can set type codes for other types of accounts.

In an example, please refer to Table 2. Assume that the type codes of each type of trading account are shown in Table 2. After obtaining the type codes of each type of trading account, you can determine the coding group to which each type of code belongs in order, and according to The account coding rules set for each group determine the account coding of the corresponding trading account. Specifically, the developer can divide the account type into two groups according to the attributes of the trading account under each account type: the first type account and the second type account. The type code of each trading account in the first type account is a first type code. The trading account in the first type account is fixed, that is, in general, there is usually only one trading account in the first type account. This type of account coding rule can be set to a combination of type coding and account ID. The type code of the trading account in the second type of account belongs to the second type code. The trading account in the second type of account is not fixed, that is, there are usually multiple trading accounts in the second type of account. Account encoding rules are set to type encoding.

Still using Table 2 as an example, it is assumed that the type "User's balance account" belongs to this second type of account, and the types "Internal accounts for which funds are to be purchased", "Accounts for which funds are not confirmed for sales", and "Accounts for which funds are due for purchase" Is a first type account. According to the foregoing account coding rules, please refer to Table 3, it can be determined that the account code of the trading account "123456" is KZ001, the account code of the trading account "777777" is JN001777777, and so on, and so on.

It should be noted that in actual implementation, the developer can directly set the type code group to which the type code belongs, and the account coding rules corresponding to each type code group. In this step, the server does not need to identify the account type, and can The corresponding account code is determined according to the type code and the account coding rule, which is not specifically limited in the present invention.

Step 1013: Combine the account codes of the trading accounts according to the transaction sequence to generate the actual path code.

Based on the foregoing step 1012, after obtaining the account codes corresponding to each transaction account, the account codes can be sequentially combined according to the transaction sequence obtained in the foregoing step 1011 to generate the actual path code.

Still using Table 3 as an example, combining the account codes of each trading account, we can get the following actual path codes: KZ001 JN001777777 JS001888888 YS001999999.

Step 102: Obtain a standard path code corresponding to the capital transaction identifier.

In this embodiment, the server may also obtain a corresponding standard path code according to the fund transaction identifier. The standard path code is a path code generated according to a pre-designed fund scheme (fund transaction path).

In this embodiment, developers can set corresponding standard path codes in advance for different funds transaction paths. Relatively simple, developers can first set different transaction codes for different funding schemes, and then store the generated standard path codes in association with their transaction codes. When the serial number is generated, the generated serial number can also be stored in association with the corresponding transaction code. In this step, the server may first obtain the transaction code corresponding to the serial number, and then obtain the corresponding standard path code based on the acquired transaction code.

It should be noted that, in this embodiment, step 101 may be performed first, and then step 102 may be performed. Alternatively, step 102 may be performed first, and then step 101 may be performed. Steps 101 and 102 can also be performed simultaneously using parallel threads, which is not particularly limited in the present invention.

Step 103: When the actual path code is the same as the standard path code, confirm that the transaction path of the capital transaction is correct.

Based on the foregoing steps 101 and 102, after the actual path code is generated and the standard path code is obtained, the actual path code and the standard path code can be compared. When the two are the same, it can be determined that the transaction path of the capital transaction is correct. Is a pre-designed trading path. If the actual path code is not the same as the standard path code, it can be determined that the transaction path of this capital transaction is not a pre-designed transaction path, which may result in loss of user assets, and can then perform related processing operations, such as returning to the user It is a reminder that the transaction fails, and that all operations of this business are transferred back, etc. The present invention does not limit this.

Still using Table 3 as an example, it is assumed that the default transaction path of the electronic payment business for purchasing funds is: the user's balance account → the fund's internal account to be subscribed for → the account for which funds sales are not confirmed → the account for which funds should be paid for subscription, that is, the standard path The code is KZ001 JN001777777 JS001888888 YS001999999. Then, in this step, it is determined that the standard path code is the same as the actual path code generated in the foregoing step 101, and it is further determined that the transaction path of the capital transaction is correct.

In another example, assuming that the actual path of the capital transaction is: the user's balance account → the account for which the funds are not confirmed for sale → the fund's internal account to be subscribed for → the account for which the fund purchase is due, the actual generated in step 101 The path code is KZ001 JS001888888 JN001777777 YS001999999. After comparison, it is found that the actual path code is different from the standard path code, and it is determined that the transaction path of this capital transaction does not match the preset path.

It can be seen from the above description that the present invention can generate an actual path code used to characterize the actual transaction path in the fund transaction process according to the fund transaction identifier, and determine whether the path of the fund transaction is consistent with the preset by comparing the actual path code with the standard path code The paths are consistent, so that when the paths are inconsistent, intervention measures can be taken in time to reduce the financial loss to the user caused by the inconsistent transaction path and improve the user experience.

Corresponding to the foregoing embodiment of the method for detecting a fund transaction path in an electronic payment process, the present invention also provides an embodiment of a device for detecting a fund transaction path in an electronic payment process.

The embodiment of the apparatus for detecting a fund transaction path in the electronic payment process of the present invention can be applied to a server of a financial system. The device embodiments can be implemented by software, or by a combination of hardware or software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions in the non-volatile memory into the memory through the processor of the server where it is located. At the hardware level, as shown in FIG. 3, it is a hardware structure diagram of the server where the detection device of the fund transaction path in the electronic payment process of the present invention is located, except for the processor, memory, and network shown in FIG. 3. In addition to the interface and the non-volatile memory, the server where the device is located in the embodiments usually includes other hardware according to the actual function of the server, which will not be repeated here.

Fig. 4 is a block diagram of a device for detecting a fund transaction path in an electronic payment process according to an exemplary embodiment of the present invention.

Please refer to FIG. 4. The apparatus 300 for detecting a fund transaction path in the electronic payment process may be applied to the aforementioned server shown in FIG. 3 and includes: a code generating unit 301, a standard obtaining unit 302, and a path confirmation unit 303. The code generation unit 301 may further include a first acquisition subunit 3011, a second acquisition subunit 3012, and a code generation subunit 3013.

Wherein, the code generating unit 301 generates an actual path code for the capital transaction according to the capital transaction identifier, and the actual path code is used to characterize the actual transaction path of the funds in the process of the capital transaction; the standard acquisition unit 302 acquires the capital transaction Identifies the standard path code corresponding to the path; the path confirmation unit 303 confirms that the transaction path of the capital transaction is correct when the actual path code is the same as the standard path code.

The first acquisition subunit 3011 acquires the actual transaction information of the funds in the process of the capital transaction from the corresponding database according to the capital transaction identifier. The actual transaction information includes: a transaction account and a transaction sequence; the second acquisition subunit 3012 To obtain the account code corresponding to the trading account; the code generating subunit 3013 combines the account codes of the trading accounts according to the transaction sequence to generate the actual path code.

Optionally, the second obtaining subunit 3012 obtains the type code of the transaction account. When the type code is the first type code, it is determined that the account code corresponding to the transaction account is the type code and the account ID of the transaction account. When the type code belongs to the second type code, it is determined that the account code corresponding to the transaction account is the type code.

Optionally, the standard obtaining unit 302 obtains a transaction code corresponding to the capital transaction identifier, and obtains a standard path code corresponding to the transaction code.

Optionally, the fund transaction identifier is a transaction serial number.

For details about the implementation process of the functions and functions of the units in the foregoing device, see the implementation process of the corresponding steps in the foregoing method for details, and details are not described herein again.

As for the device embodiment, since it basically corresponds to the method embodiment, the relevant part may refer to the description of the method embodiment. The device embodiments described above are only schematic, in which the unit described as a separate element may or may not be physically separated, and the element shown as a unit may or may not be a physical unit, that is, it may be located in one Places, or they can be distributed across multiple network units. Some or all of the modules can be selected according to actual needs to achieve the objective of the solution of the present invention. Those of ordinary skill in the art can understand and implement without creative efforts.

The above are only preferred embodiments of the present invention, and are not intended to limit the present invention. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention shall be included in the present invention. Within the scope of protection.

Claims (10)

    A method for detecting a fund transaction path in an electronic payment process, characterized in that the method includes: generating an actual path code for the capital transaction according to a fund transaction identifier, and the actual path code is used to characterize the actual transaction of funds in the fund transaction process Path; obtain the standard path code corresponding to the capital transaction identifier; when the actual path code is the same as the standard path code, confirm that the transaction path of the capital transaction is correct.         The method according to item 1 of the scope of patent application, wherein the generating the actual path code for the capital transaction according to the fund transaction identifier includes: obtaining the funds in the process of the fund transaction from the corresponding database according to the fund transaction identifier. Actual transaction information, the actual transaction information includes: a transaction account and a transaction sequence; obtaining an account code corresponding to the transaction account; and combining the account codes of each transaction account according to the transaction sequence to generate the actual path code.         The method according to item 2 of the scope of patent application, wherein obtaining the account code corresponding to the transaction account includes: obtaining a type code of the transaction account; and when the type code is a first type code, determining that the transaction account corresponds to The account code of is the combination of the type code and the account ID of the trading account; when the type code is a second type code, it is determined that the account code corresponding to the trading account is the type code.         The method according to item 1 of the scope of patent application, wherein the obtaining a standard path code corresponding to the capital transaction identifier includes: obtaining a transaction code corresponding to the capital transaction identifier; and acquiring a standard path code corresponding to the transaction code.         The method according to item 1 of the scope of patent application, wherein the fund transaction identifier is a transaction serial number.         An apparatus for detecting a fund transaction path in an electronic payment process is characterized in that the apparatus includes a code generating unit that generates an actual path code for this fund transaction according to a fund transaction identifier, and the actual path code is used to characterize the fund transaction process. The actual transaction path of the funds; the standard acquisition unit acquires the standard path code corresponding to the capital transaction identifier; the path confirmation unit confirms that the transaction path of the capital transaction is correct when the actual path code is the same as the standard path code.         The device according to item 6 of the scope of patent application, wherein the code generation unit includes: a first acquisition subunit, which acquires the actual transaction information of the funds during the capital transaction process from a corresponding database according to the capital transaction identifier, and The actual transaction information includes: a transaction account and a transaction sequence; a second acquisition subunit, which obtains an account code corresponding to the transaction account; a code generation subunit, which combines the account codes of each transaction account according to the transaction sequence to generate the actual path code.         The device according to item 7 of the scope of patent application, wherein the second obtaining subunit obtains a type code of the transaction account, and when the type code belongs to the first type code, determines that the account code corresponding to the transaction account is the The combination of the type code and the account ID of the transaction account; when the type code is a second type code, it is determined that the account code corresponding to the transaction account is the type code.         The device according to item 6 of the scope of patent application, wherein the standard acquisition unit acquires a transaction code corresponding to the capital transaction identifier and acquires a standard path code corresponding to the transaction code.         The device according to item 6 of the scope of patent application, wherein the fund transaction identifier is a transaction serial number.